. >> yes, bob rohr, british medical journal. most of the talk about has been the impact on the federal budget and balancing one pocket versus another. what analysis has been done, say, on these changes on the impact of the employability of seniors if an employer has to cover these additional costs for an extended period of time? my hypothesis is that it would make them less employable in some ways, either that or hasten the flight away from employer receiving and providing insurance. then on the consumer side, how would these increased costs affect access to care and probably quality of care? >> paul, do you want to start the first part of that? >> sure. on your first question, identify actually not heard anyone or any of the studies suggest that extending the medicare eligibility age would hasten the point in which employers might not offer coverage at all. what i with was trying to indicate earlier was that for the vast majority of employers outside of the industries where retiree health might be highly concentrated, the effec